Item 2.02. Results of Operations and Financial Condition.

On April 25, 2023, Hanmi Financial Corporation ("Hanmi Financial") issued a press release announcing its financial results for the quarter ended March 31, 2023. A copy of the press release is attached as Exhibit 99.1 to this Form 8-K.

This information set forth under "Item 2.02. Results of Operations and Financial Condition," including Exhibit 99.1 attached hereto, shall not be deemed "filed" for purposes of Section 18 of the Securities and Exchange Act of 1934, as amended (the "Exchange Act") or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, regardless of any general incorporation language in such filing.

Item 9.01. Financial Statements and Exhibits.



(d)      Exhibits


  99.1         Press release issued by Hanmi Financial dated April 25, 2023
104          Cover Page Interactive Data File (embedded within the Inline XBRL
             document)


Forward-Looking Statements

This press release contains forward-looking statements, which are included in accordance with the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995. All statements other than statements of historical fact are "forward-looking statements" for purposes of federal and state securities laws, including, but not limited to, statements about our anticipated future operating and financial performance, financial position and liquidity, business strategies, regulatory and competitive outlook, investment and expenditure plans, capital and financing needs and availability, plans and objectives of management for future operations, developments regarding our capital and strategic plans, and other similar forecasts and statements of expectation and statements of assumption underlying any of the foregoing. In some cases, you can identify forward-looking statements by terminology such as "may," "will," "should," "could," "expects," "plans," "intends," "anticipates," "believes," "estimates," "predicts," "potential," or "continue," or the negative of such terms and other comparable terminology. Although we believe that our forward-looking statements to be reasonable, we cannot guarantee future results, levels of activity, performance or achievements.

Forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause our actual results, levels of activity, performance or achievements to differ from those expressed or implied by the forward-looking statements. These factors include the following:



   º a failure to maintain adequate levels of capital and liquidity to support
     our operations;
   º the effect of potential future supervisory action against us or Hanmi Bank;
   º the effect of our rating under the Community Reinvestment Act and our
     ability to address any issues raised in our regulatory exams;
   º general economic and business conditions internationally, nationally and in
     those areas in which we operate, including any potential recessionary
     conditions;
   º volatility and deterioration in the credit and equity markets;
   º changes in consumer spending, borrowing and savings habits;
   º availability of capital from private and government sources;
   º demographic changes;
   º competition for loans and deposits and failure to attract or retain loans
     and deposits;
   º inflation and fluctuations in interest rates and a decline in the level of
     our interest rate spread;
   º the current or anticipated impact of military conflict, terrorism or other
     geopolitical events;
   º risks of natural disasters;
   º legal proceedings and litigation brought against us;
   º a failure in or breach of our operational or security systems or
     infrastructure, including cyberattacks;
   º the failure to maintain current technologies;
   º risks associated with Small Business Administration loans;
   º failure to attract or retain key employees;
   º our ability to access cost-effective funding;
   º fluctuations in real estate values;
   º changes in accounting policies and practices;
   º changes in governmental regulation, including, but not limited to, any
     increase in FDIC insurance premiums and changes in the monetary policies of
     the U.S. Treasury and the Board of Governors of the Federal Reserve System;
   º the continuing impact of the COVID-19 pandemic on our business and results
     of operation;
   º the ability of Hanmi Bank to make distributions to Hanmi Financial
     Corporation, which is restricted by certain factors, including Hanmi Bank's
     retained earnings, net income, prior distributions made, and certain other
     financial tests;
   º strategic transactions we may enter into;
   º the adequacy of our allowance for credit losses;
   º our credit quality and the effect of credit quality on our credit losses
     expense and allowance for credit losses;
   º changes in the financial performance and/or condition of our borrowers and
     the ability of our borrowers to perform terms of their loans and other
     terms of credit agreements;
   º our ability to control expenses; and
   º cyber security and fraud risks against our information technology and those
     of our third-party providers and vendors.

In addition, we set forth certain risks in our reports filed with the U.S. Securities and Exchange Commission, including, Item 1A of our Annual Report on Form 10-K for the year ended December 31, 2022, our Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K that we will file hereafter, which could cause actual results to differ from those projected. We undertake no obligation to update such forward-looking statements except as required by law.

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